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Granny flat could boost your property value by 30%

Granny flat could boost your property value by 30%

Backyard cricket pitch not getting much of a workout these days? Sick of your weekends being taken up with mowing and gardening? Installing a granny flat could be a lucrative solution - boosting the value of your home by 30% and adding around 27% to rental income.
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How to find a bank with strong corporate social responsibility

How to find a bank with strong corporate social responsibility

Yes, we’re well aware that this may sound like an oxymoron to some! But cheeky jokes aside, this is a question we’ve been increasingly receiving. So today we thought we’d look into what good corporate social responsibility means, and how you can find it in a bank.
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A Super heads-up before the EOFY

A Super heads-up before the EOFY

Superannuation changes are afoot, and time is running out this financial year to take action. Here’s what you need to know about your superannuation account ahead of the EOFY deadline.
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Is the housing market finally about to reach rock bottom?

Is the housing market finally about to reach rock bottom?

‘Are we there yet?’ That seems to be the million dollar question on everyone’s lips. Today we’ll take a look at whether or not the property market is finally starting to stabilise, as well as when we might start seeing some positive changes in the market.
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Getting hounded by ATO impersonators? Don’t get scammed this tax season

Getting hounded by ATO impersonators? Don’t get scammed this tax season

Tax time is just around the corner, which means ATO impersonators are pulling out their bag of tricks to try and scam you. Here are the main scams currently doing the rounds.
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Will lenders pass on the RBA rate cut to you?

Will lenders pass on the RBA rate cut to you?

The RBA has cut the official cash rate to a new record low of 1.25%. But hang on a sec… Will lenders even pass on the cut in full? Today we’ll look at how you can make the RBA rate cut work for you.
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Your home is not perfect: the value of pest and building inspections

Your home is not perfect: the value of pest and building inspections

They say that home is where the heart is. And it’s true that we spend so much of our time, money and emotions in our homes. So it can be hard to truly look at them and think that something could be wrong.
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Want more control over your future? The lowdown on SMSFs

Want more control over your future? The lowdown on SMSFs

Self-managed super funds (SMSFs) have become an increasingly popular choice in recent years due to the control and flexibility they can offer. Today we'll take a look at why that is, as well as some interesting stats the ATO has gathered on them.
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APRA suggests banks relax key lending criteria

APRA suggests banks relax key lending criteria

Here’s a bit of good news: you may be able to borrow more for your next home loan after the prudential regulator sent a letter to the banks asking them to relax a key lending criteria.
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What the re-elected Coalition government has promised

What the re-elected Coalition government has promised

No doubt, like most, you’re suffering from a bit of election fatigue. But stick with us - here’s one last article that explains what you can expect from the 46th parliament of Australia.
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Adulting: mapping out your financial road to retirement from your 20s

Adulting: mapping out your financial road to retirement from your 20s

‘Adulting’ is a real thing. It has even made it to the Oxford dictionary where it’s defined as “behaving in a way characteristic of a responsible adult, especially the accomplishment of mundane but necessary tasks”.
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How the new govt scheme could give you a head start on property

How the new govt scheme could give you a head start on property

Did you know that it takes four to seven years for the average household to save a 20% deposit for their first home and avoid paying lender’s mortgage insurance? However, a new scheme promises to drastically reduce that time by dropping the required deposit to just 5%.
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Interested in increasing your rental returns by up to 30%?

Interested in increasing your rental returns by up to 30%?

What would you say if we told you that you could potentially increase your rental returns by up to 30% simply by ticking a box? You'd probably call us 'barking mad'.
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Found an account transaction error? Don’t foot the bill

Found an account transaction error? Don’t foot the bill

Most of us have found ourselves in a sticky situation where we’ve spotted an unauthorised or mistaken transaction on our bank account or credit card statement. Here’s how to avoid footing the bill.
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The dangers of chasing investment returns

The dangers of chasing investment returns

It can be a hard temptation to avoid; you sit there and watch while other investments outperform your own, and you begin to wonder… why don’t I just invest my money there instead?
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Will the RBA cut the cash rate this month?

Will the RBA cut the cash rate this month?

We don't like to dust off the old crystal ball and speculate very often, but there's been so much noise about whether the RBA will cut the official cash rate this Tuesday that we feel compelled to address it.
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5 ideas to help first home buyers break into the property market

5 ideas to help first home buyers break into the property market

While housing affordability is improving across the country, for many young first home buyers cracking into the property market can feel like breaking into a fortress. Here are five ideas that can help bust down that door.
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With home loan interest rates dropping, is it time to pull the cord?

With home loan interest rates dropping, is it time to pull the cord?

Fixing your home loan while rates are dropping is a bit like pulling the ripcord on a parachute. If you do it early you'll get a steady ride but may miss out on a bit of action. But if you leave it too late things might get a little messy.
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7 simple ways to protect your home these Easter holidays

The Easter holidays are a great time to get away with the family. Unfortunately, this means they're also a prime time for burglars to target your unoccupied home. Here are seven simple ways to deter uninvited guests from entering your property these holidays – sorry Easter Bunny!
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Making the most of the instant asset write-off

Making the most of the instant asset write-off

Cash flow is like your daily hit of caffeine. You don't really notice how important it is for your business until you've got to try and operate without it. Today we'll look at how the recently expanded instant asset write-off initiative can help out in that area.
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CONTACT

Shop 12, Kingscliff Shopping Village

24 Pearl Street

PO Box 1218

Kingscliff NSW 2487

paul.cluff@moneysmithgroup.com.au

M 0433 149 788

AUTHORISED REPRESENTATIVE

Paul Cluff and PCFC Group Pty Ltd, ACN 615 084 243, ATF The PCFC Group Trust ABN 56 993 890 932 trading as MoneySmith Financial.

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AUTHORISED REPRESENTATIVE

Paul Cluff Credit Representative Number 383304 and Skyeblu Pty Ltd, ACN 108 370 341, trading as Moneysmith Australia.

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GENERAL ADVICE WARNING

Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.